机动车辆保险属于财产保险的传统业务,是整个财产保险中最重要的业务来源,我国财产保险公司的车险业务占公司总业务量的60%以上。虽然如此,许多公司车险业务质量并不理想。美国作为保险业最发达的国家之一,保险业界、学界对机动车辆保险市场的分析比较深入,其研究方法和成果值 Motor vehicle insurance belongs to the traditional business of property insurance and is the most important source of business in property insurance. The auto insurance business of China’s property insurance companies accounts for more than 60% of the total business volume of the company. However, many companies auto insurance business quality is not satisfactory. As one of the most developed countries in the insurance industry, the insurance industry and academia have a thorough analysis of the motor vehicle insurance market. The research methods and results